Keep The Change

Thrift Wins Save Thousands w The Viral Kiwi Dad Logan Donnelly

20 Feb 2023

Contributed by Lukas

The man who broke the Internet with his savings methodology popped by to explain to us how he removed thousands of dollars of costs from his annual ex...

Want To Come Work For Mikey?

19 Feb 2023

Contributed by Lukas

Mikey is on the hunt for new mortgage advisors and would love to have a chat with you if you are interested. Before you do, listen to this podcast and...

Money Mail 145 - Work Hard, Get Ahead?

18 Feb 2023

Contributed by Lukas

When I grew up I grasped the concept of working hard. It made sense to me and I applied this to every job I got. But then I learnt we need to 'work sm...

Money Mail 144 - Save more than you pay in tax

15 Feb 2023

Contributed by Lukas

We are taught to save 10% of everything we earn but will this keep us thinking too small? In this Money Mail we will explore different ways to increas...

The Data Doesn't Lie, Things Are Getting Worse w Mikey Smith

15 Feb 2023

Contributed by Lukas

We dig into the latest report from Centrix to have a look at the data and see what it tells us in terms of people not being able to pay for the loans ...

Habits Of Rich People w Mikey Smith

12 Feb 2023

Contributed by Lukas

You asked for it so here it is. Your submitted habits of rich people after the last podcast about poor people. Enjoy and don't get triggered. Hey than...

HOW to ACTUALLY Change Your Mindset w Mikey Smith

08 Feb 2023

Contributed by Lukas

Mikey Breaks down how you can actually change your mindset as he is sick of hearing people saying "you just need to change your mindset". Here is his ...

Your 2023 Toolkit - How To Prosper This Year

05 Feb 2023

Contributed by Lukas

It is no surprise that 2023 sounds like it could be a challenging year. This podcast will help you get ready and prosper during what could be a tricky...

Money Mail 143 - NZ's Biggest Property Manager?

04 Feb 2023

Contributed by Lukas

Last week, I sat down with a Kiwi looking to completely transform an industry. One of my favourite parts of my role is getting to speak to Kiwis who w...

How To Be A Rich Boy / 'Is Being Wealthy A Matter Of Mindset Pt.2' w Mikey Smith

01 Feb 2023

Contributed by Lukas

Mikey and Luke sit down to review an article that opposes the earlier article we discussed about how being wealthy could just be a matter of mindset. ...

Financial Impacts Of The Flood w Mikey Smith

29 Jan 2023

Contributed by Lukas

Mikey and Luke sit down to have a look at what the flood could mean financially for the economy and Mikey also tells us exactly why he increase his in...

Becoming The Globe’s Biggest Property Manager - w Luke from Keyhook

29 Jan 2023

Contributed by Lukas

Imagine completely disrupting the countries property management market? That’s what Luke and his team from Keyhook are doing. Check out this Kiwi te...

Money Mail 142 - Kiwis lose over $180billion in 2022

29 Jan 2023

Contributed by Lukas

If you’ve been worried about your house price, shares or KiwiSaver, you’re not the only one. In the first nine months of 2022, household net worth...

The Great Inflate (Jan23 Update) w Mikey Smith

27 Jan 2023

Contributed by Lukas

Mikey is back in the studio to talk about recent inflation data. What it means, what we are seeing, and what you need to be thinking about including w...

Your Financial Stories Told (INSPIRING) w Mikey Smith

25 Jan 2023

Contributed by Lukas

Recently we asked you to share your financial story and we sit down to read through 10 of these as part of a series of learning from other keep the ch...

Money Mail 141 - Reaction to y.day shocking news + (making more webinars)

25 Jan 2023

Contributed by Lukas

Shock! Food is confirmed as dear. 2022 was the biggest annual food increase in 32 years according to Statistics NZ. But you knew that. So this week we...

Habits Of Poor People w Mikey Smith

22 Jan 2023

Contributed by Lukas

Mikey and Luke sit down to discuss the habits of poor people. Yes we know that this could be controversial but a lot of you send us what you think the...

We Lose The Leader Of A Lifetime w Mikey Smith

20 Jan 2023

Contributed by Lukas

Mikey is massively upset about the news that the Prime Minister has resigned and wanted to get straight into the studio and discuss his thoughts about...

2 Books You MUST Read in 2023 w Mikey Smith

18 Jan 2023

Contributed by Lukas

Luke takes us through two books that he thinks improve your life in 2023 and one of these he can guarantee you would have never heard of. Hey thanks f...

Does Your Mindset Explain Your Financial Situation? w Mikey Smith

15 Jan 2023

Contributed by Lukas

We dig into an article that asked the question is being wealthy just a matter of mindset? We go through what the article explains and challenge some o...

Money Mail 140 - The Unemployment Rate Is Your Friend

15 Jan 2023

Contributed by Lukas

Unemployment is at a record low. In New Zealand, unemployment is currently at 3.3% and historically sits between 4.5 to 5.5%. That means that business...

Luke's Themes / Be Mindful's for 2023 w Mikey Smith

10 Jan 2023

Contributed by Lukas

Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you...

Mikey's $100k A Year Mowing Business Instructions

08 Jan 2023

Contributed by Lukas

Mikey takes us through how he would build out half a $1 million mowing business in a few year's time and take you through the step-by-step things you ...

Money Mail 139 - 1 habit away from your best year

08 Jan 2023

Contributed by Lukas

At this time of the year, many of us will be thinking about our habits and how they’ve popped up in our lives. For most of us, we can’t even see o...

It's Not The Time To Go All In w Mikey Smith

06 Jan 2023

Contributed by Lukas

It can be very tough when you bust your ass and save a bit of money and you still feel like you're not getting your head or getting closer to your goa...

Starting A Business FAQs w Mikey Smith

04 Jan 2023

Contributed by Lukas

We sit down to answer multiple questions about starting a business. You need to be thinking about, why, what your goal is and what type. We explore al...

The Worst Time For First Home Buyers (incl positive solution) w Mikey Smith

01 Jan 2023

Contributed by Lukas

Data suggests that houses haven’t been this unaffordable for first home buyers since 2004. What can we do about that and how can we use reverse comp...

Happy NY Mixtape - Lessons from the break w Mikey Smith

01 Jan 2023

Contributed by Lukas

It's the 1st of January and we're already back in the studio recording a podcast with lessons from our break and the fact that economy still seems to ...

Money Mail 138 - I didn’t hit all my 2022 goals :(

01 Jan 2023

Contributed by Lukas

When I look back at 2023 and some of the goals I set, I know that I didn’t hit them ALL. Have you noticed the same thing? But I know that I am movin...

It's Ok To Promote Yourself w Mikey Smith

28 Dec 2022

Contributed by Lukas

Society seems to think that people who promote and advertise themselves are cocky, arrogant, love themselves, full of themselves, but the reality is t...

"You'll Own Nothing & Be Happy" w Mikey Smith

26 Dec 2022

Contributed by Lukas

Wow! This could get interesting for you. An insight into some of the comments we often see on social media and whether all of them are true or conspir...

Money Mail 137 - 3 Christmas gifts for you

22 Dec 2022

Contributed by Lukas

I hope you have an amazing time with your families and loved ones. I think this time of year is such an important time to be grateful for what you do ...

Retrain Your Brain w Mikey Smith

21 Dec 2022

Contributed by Lukas

Mikey teaches us why it is so important to retrain some of the stupid things your brain will tell you to do and why this can also be so hard to do.Hey...

What The FIFA World Cup Taught Us w Mikey Smith

19 Dec 2022

Contributed by Lukas

Mikey bicycle kicks his way into the studio in excitement with the world cup and then admits he doesn’t know who won. BUT he does think it’s an am...

Tax Rules ARE NOT Set Up To Help Employee's w Mikey Smith

17 Dec 2022

Contributed by Lukas

In this podcast we teach you everything you didn't get taught in school about why business is the most favoured way when it comes to tax rules. We exp...

Money Mail 136 - Is your employer a grinch at Xmas?

17 Dec 2022

Contributed by Lukas

Employers can get a bad wrap for not looking after their staff or being stingy. Especially at Christmas time. This is easy to do when we compare our e...

MEGAPOD: Reflections on 2022 wins & regrets w Mikey Smith

14 Dec 2022

Contributed by Lukas

Another listener request as to how we found 2022. Listen in to find out about how we made it count and also some of the things we regret and why it's ...

MEGAPOD: 2023 - What it looks like & how to win w Mikey Smith

11 Dec 2022

Contributed by Lukas

In this podcast we dive into a listeners request about what we think 2023 will bring and how we are going to ensure that we have a successful year. He...

What It's Like Having No Debt w Mikey Smith

10 Dec 2022

Contributed by Lukas

Mikey and Luke sit down to explain their journey of going from having consumer debt to minimal debt and what that's like and what it allows you to do....

Money Mail 135 - Did you do these 3 things?

09 Dec 2022

Contributed by Lukas

3 short months ago I gave you 3 actionable steps to take to get ready for what was coming, so did you? We are into that real spending time of the year...

How To Make $100k In 2023 w Mikey Smith

09 Dec 2022

Contributed by Lukas

In this episode we explore the concept of believing this is possible to start with and thinking about how we can increase our income in 2023 to join s...

Side Hustle To Business w Jamie Episode 2

08 Dec 2022

Contributed by Lukas

Mikey and Luke sit down with Jamie to discuss how her progress is going with taking her side hustle to a business. Jamies now juggling Mum life with b...

Money Mail 134 - I am stacking these currencies

02 Dec 2022

Contributed by Lukas

With all this doom and gloom it’s a good reminder to consider the currencies you’re collecting. This is a good time to remember that it’s not al...

Valerie Adams Vs Jordan Peterson w Mikey Smith

30 Nov 2022

Contributed by Lukas

Every now and then us 2 financial geeks venture outside the world of finance and go and do something different. We take you through our experiences fr...

Will this OCR increase break everything? w Mikey Smith

27 Nov 2022

Contributed by Lukas

Mikey and Luke sit down to review the biggest rise in OCR history and find out why the reserve bank are so confident we are heading into a recession. ...

Money Mail 133 - Black Friday specials suck (you in)

26 Nov 2022

Contributed by Lukas

Apparently there are discounts everywhere. The ole black Friday sales are in full swing. Black Friday has become a very popular day of buying in New Z...

Your Questions Answered (Partner Finances) w Mikey Smith

23 Nov 2022

Contributed by Lukas

This mostly focuses on mixing or keeping separate your finances with your partner out of the question asked by one of the listeners. Hey thanks for li...

Luke's $100k Speaking Journey Update w Mikey Smith

20 Nov 2022

Contributed by Lukas

In a recent podcast Luke explained how he was going to take his speaking more seriously and this is an update on where he's at in monetising this and ...

Money Mail 132 - Upping my Kiwisaver contributions

20 Nov 2022

Contributed by Lukas

I just voluntarily upped my Kiwisaver contributions. Why would I do this? Saving for our retirement has still been introduced as mostly voluntary. By ...

Money Mail 131 - How politicians mind F@rk us

20 Nov 2022

Contributed by Lukas

Gee the politicians have done a great job. A great job at getting us right where they need us. Right in the trap of thinking in a way that won’t nec...

STOP! Listening To This Podcast w Mikey Smith

16 Nov 2022

Contributed by Lukas

if you are listening to this podcast and not taking any action then perhaps it is time to turn it off. We love you listening but we would love to see ...

Is A Side Hustle Worth The Time? w Mikey Smith

13 Nov 2022

Contributed by Lukas

There has been a lot of chat around side hustles recently and in this podcast, we dive into whether it is worth the time investment and discover the b...

Mikey Rents A Lambo (Material Inspiration?)

11 Nov 2022

Contributed by Lukas

Mikey and Luke explore the topic of using material things to inspire you in the world that tells you not to as well as Mikey tasting his future life b...

The Side Hustle Formula Works! w Luke's GF

08 Nov 2022

Contributed by Lukas

Luke's partner Tazz joins Mikey and Luke in the studio to discuss her success with the side hustle methodology taught by keep the change. Tune in to h...

The Ram Raid Mentality Will Ruin Your Life w Mikey Smith

06 Nov 2022

Contributed by Lukas

Whats up with all of these ram raids at the moment and what can we make sure we don't learn from people who are keen to take shortcuts, cheat, steal a...

Money Mail 130 - BNPL arrears hit 3 year high of 9.3%

05 Nov 2022

Contributed by Lukas

This is where BNPL and credit cards are so dangerous as you ‘feel’ like you can get away with it. You don’t pay & nothing really happens. It’s...

Play The Long Game (Never Lose!) w Mikey Smith

02 Nov 2022

Contributed by Lukas

This is Mikey's theory on why playing the long game will ensure you never lose in whatever area it is that you are trying to get ahead in. Tune in and...

Become A Guaranteed Millionaire Via KiwiSaver w Mikey Smith

30 Oct 2022

Contributed by Lukas

Luke and Mikey sit down and dig into an ASB KiwiSaver tool to figure out how much you need to set aside to ensure you have $1M when you reach age 65.H...

Money Mail 129 - Do You Love A Day Off?

27 Oct 2022

Contributed by Lukas

In New Zealand, we seem to be busier than ever and all feel pretty time-poor but, we also get given a lot of days off. 146 days where we don't necessa...

"You shouldn't buy a house’’ - Grant Cardone WTF?? w Mikey Smith

26 Oct 2022

Contributed by Lukas

Grant Cardone owns over $1 billion worth of property but he's telling us not to buy a home, what is he trying to teach us when explaining this? Is thi...

The $10k Project with Jamie (Episode One)

25 Oct 2022

Contributed by Lukas

Jamie is the winner of our $10k investment into someones idea. This is our first catch up with Jamie to help her figure out how to turn this side hust...

Small Pond, Big Fish (NZ Advantage) w Mikey Smith

22 Oct 2022

Contributed by Lukas

Remember that a lot of people will be too scared to put the heads up above the clouds and if you are brave enough to do it you can get yourself a furt...

Money Mail 128 - More inflation, more interest rate rises

21 Oct 2022

Contributed by Lukas

This week the Reserve bank undercooked their forecast for inflation and it came in at 7.2%. Even bank economists were off the mark - but are we surpri...

4 Things To Invest In Right Now w Mikey Smith

20 Oct 2022

Contributed by Lukas

Have a think about these four things and whether you could be investing in them whilst all markets seem to be going backwards all around the world. He...

Money Mail 127 - More of your pay gone before you get it?

20 Oct 2022

Contributed by Lukas

Some time ago, I mentioned an insurance scheme that the government is looking to introduce. This was an announcement quite some time ago (Budget 2021)...

How Far Will Housing REALLY Collapse? w Mikey Smith

18 Oct 2022

Contributed by Lukas

New inflation data in today means that interest rates could go up even higher. What does this mean for all markets including your favourite the housin...

Mikey Says ''Break These 7 Society Rules''

17 Oct 2022

Contributed by Lukas

Mikey takes us through the 7 society rules that he thinks we should throw in the bin. Tune in and unlearn what you may not believe. Let us know what y...

Do One Extra, Each Year w Mikey Smith

15 Oct 2022

Contributed by Lukas

This is the concept of picking one thing each year that you can add to your skillset. Mikey explains it and Luke reveals his one thing for 2023 and be...

Your Questions Answered [Part 4] w Mikey Smith

13 Oct 2022

Contributed by Lukas

In this episode we look at listener feedback to our recent podcast about ‘fark paying someone else’s mortgage’ plus a couple of other questions....

Luke Buys A Tesla Without Driving It w Mikey Smith

11 Oct 2022

Contributed by Lukas

Ever bought a car in 15mins? Luke has. And this led to him having no idea where to pick it up from. This is a podcast about decision making and slowin...

Money Mail 126 - My own dirty secrets revealed (Productivity Rd2)

09 Oct 2022

Contributed by Lukas

If time is money, is money time? How can we put more time back into our lives? Here are some more of the ways I have put time back into my day in orde...

Mikey Goes To Singapore - What Did He Learn?

08 Oct 2022

Contributed by Lukas

Mikey takes us through his so called ‘holiday’ where he tries to figure out what makes Singapore tick. This is an insight into Mikey’s brain, en...

Millionaire at 23. Broke at 25. Story of Simon Phillips

07 Oct 2022

Contributed by Lukas

Simon Phillips from The Magnitude Group stops by to give us insights into scaling up a million dollar ecom business. He also gives us insight into his...

Money Mail 125 - The dirty Kiwi secret we can't ignore

06 Oct 2022

Contributed by Lukas

New Zealanders work about 10% more hours per person than workers in the average OECD economy. Kiwis also produce about 20% less output than workers in...

Can You Still Get A Mortgage (September) w Mikey Smith

05 Oct 2022

Contributed by Lukas

Luke and Mikey sit down to discuss whether or not you can still get a mortgage in the current climate (September 2022). Hey thanks for listening! Plea...

$500 to $100mil | The Story of Izzy Whitley (Aotearoa Labour Hire)

04 Oct 2022

Contributed by Lukas

Luke sits down with Izzy Whitley from Aotearoa Labour Hireto to discuss his six years in business and his goal to turn over $100 million a year. Tune ...

Travel - Worthwhile or A Waste? w Mikey Smith

02 Oct 2022

Contributed by Lukas

Mikey and Luke are asked for their thoughts on travel and whether it is 'worth it' or not? Of course this is different for everyone but here are some ...

'Fark Paying Someone Else's Mortgage' is flawed thinking w Mikey Smith

30 Sep 2022

Contributed by Lukas

The video Luke was too scared to post. Luke and Mikey discuss the concept you always see on social media 'fook paying someone else's mortgage'. Luke t...

(You Have All You Need To Start) Less Thinking, More Doing w Mikey Smith

28 Sep 2022

Contributed by Lukas

Mikey and Luke try to unpack for you the theory that you just need to start and figure it out as you go. You have what you need to start, you become t...

Money Mail 124 - The Super NZ Fund

27 Sep 2022

Contributed by Lukas

This week we take a look at how the government are preparing the country for the cost of retirement and what we can learn from this too. It's a long g...

Working On Super Yachts (Ultimate OE) w Hamish Taylor

26 Sep 2022

Contributed by Lukas

Hamish Taylor from Yachties Of NZ sits down to tell us about a different way to live abroad. Hear some tales from his travels as well as HOW to get in...

Your Questions Answered (Part 3)

26 Sep 2022

Contributed by Lukas

Mikey and Luke sit down to answer another batch of questions you have asked via the Q & A link at the bottom of the email.Hey thanks for listening! P...

Dress For Success?

24 Sep 2022

Contributed by Lukas

We touch on the touchy subject of how you need to dress in this day and age if you are overthinking it. Hey thanks for listening! Please take some for...

Dear 20 Year Old Kiwis

22 Sep 2022

Contributed by Lukas

We sit down to look at the advice we would give to ourselves if we were 20 again. This might speak to a number of you out there at this age. Hey thank...

$10k Applications Close Friday

20 Sep 2022

Contributed by Lukas

On Friday we will be closing up our applications for the $10,000 investment into your side hustle or business idea. Tune in to get some background on ...

The NZ Rich List w Mikey Smith

20 Sep 2022

Contributed by Lukas

We sit down to have a look at who is on the rich list with residential property as everyone believes in New Zealand that property is how you get rich....

Money Mail 123 - Are kiwis too broke to retire?

18 Sep 2022

Contributed by Lukas

My old university (Massey) put out a report about how pensioners trying to survive on superannuation alone were finding it near impossible to make end...

3 Stages Of Your Financial Journey w Mikey Smith

18 Sep 2022

Contributed by Lukas

The three stages that everyone will go through. You can use this to help figure out where you're at and we will be expanding on this by providing more...

Your Questions Answered w Mikey Smith (Part 2)

17 Sep 2022

Contributed by Lukas

Mikey and Luke sit down to answer two of your questions before we get interrupted by Uber eats so check those out and see what you can learn.Hey thank...

Sell A Business Tax Free w Mikey Smith

15 Sep 2022

Contributed by Lukas

Do you know that if you sell a business you shouldn't get taxed on this? We explain why and how you can think about this in terms of your side hustle....

Quiet Quitting | Loud Losing w Mikey Smith

13 Sep 2022

Contributed by Lukas

Quiet quitting, what is up with this latest fad of doing the bare minimum? we explore how this type of thinking could be the downfall of a number of p...

The Queen Has Left Us :( w Mikey Smith

12 Sep 2022

Contributed by Lukas

Mikey and Luke are both pretty sad about the Queen dying. We touch on what an amazing career, if you can call it that, the Queen his head and reflect ...

Money Mail 122 - Why $100k is your new target income

10 Sep 2022

Contributed by Lukas

Around 1/9 people earn over $100,000 in this country. I am on a mission to help people get increase that statistic. We can find different ways to earn...

Our $10,000 investment in you? w Mikey Smith

09 Sep 2022

Contributed by Lukas

Hear more about our idea to invest $10,000 into one of your business ideas and help you to build a business over the next 12 months. Hey thanks for li...

A 'system' change won't change your life? w Mikey Smith

06 Sep 2022

Contributed by Lukas

Why are people so obsessed with thinking they will have a better life when the system changes? Start by changing yourself instead. Hey thanks for list...

Your Questions Answered w Mikey Smith (Part 1)

05 Sep 2022

Contributed by Lukas

These are Keep The Change community questions that have been asked and Mikey and Luke sit down to answer these for you. Hey thanks for listening! Plea...

Money Mail 121 - Tick these 3 goals off before it's too late

04 Sep 2022

Contributed by Lukas

Last week, I gave you the ultimate guide to fighting back against inflation. I really hope you took something practical from it. This week, I have 3 p...

Can you still get a mortgage? [August] w Mikey Smith

03 Sep 2022

Contributed by Lukas

Mikey lets us know how busy the mortgage world has been and we make some bold predictions around what we see happening in the world at the moment.Hey ...

Where do you see yourself in 5 years? w Mikey Smith

01 Sep 2022

Contributed by Lukas

How to get people thinking about the age old question of where you see yourself in five years time and actually building a vision for your life. Hey t...

The value equation w Mikey Smith

30 Aug 2022

Contributed by Lukas

Mikey explains to us how you can add more value to your life, your job, and to anything using the simple equation. Hey thanks for listening! Please ta...